Summary
Samenvatting - financiële producten (banken)
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- Institution
Dit is een samenvatting van het tweedejaars vak 'financiële producten' van het deel 'banken'. Gevolgd aan Hogeschool PXL
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InhoudsopgaveH1: het Belgisch financiewezen................................................................................................................ 3
1. Financiële sector in brede zin............................................................................................................... 3
1.1 Kredietinstellingen (KI)............................................................................................ 3
1.2 participatiemaatschappijen......................................................................................4
1.3 beleggingsondernemingen.......................................................................................4
1.4 institutionele beleggers........................................................................................... 5
2. Betalingsinstellingen en instellingen voor elektronisch geld (EGI)........................................................6
2.1 activiteiten............................................................................................................. 6
2.2 instellingen die betalingsdiensten mogen aanbieden................................................6
3. Monetaire overheid.............................................................................................................................. 6
4. Controlerende instellingen................................................................................................................... 7
5. Centrales.............................................................................................................................................. 8
5.1 register van kredieten aan ondernemingen (RKO).....................................................8
5.2 centrale voor kredieten aan particulieren (CKP)........................................................8
5.3 centraal aanspreekpunt voor rekeningen en financiële contracten (CAP)....................8
6. Beroepsverenigigngen en overlegorganen........................................................................................... 9
6.1 Belgische federatie van het financiewezen (Febelfin)................................................9
6.2 Assuralia................................................................................................................. 9
6.3 andere beroepsverenigingen/overlegorganen...........................................................9
7. ombusdiensten..................................................................................................................................... 9
7.1 ombudsfin............................................................................................................... 9
7.2 ombudsman van de verzekeringen...........................................................................9
8. Garantiefonds en beschermingsfonds................................................................................................ 10
8.1 bescherming van het garantiefonds........................................................................10
8.1.1 bescherming van deposito’s................................................................................................... 10
8.1.2 bescherming van beleggingstegoederen................................................................................10
8.1.3 bescherming van levensverzekeringen..................................................................................10
8.1.4 bescherming van het beschermingfonds................................................................................10
9. Bemiddelaars of tussenpersonen....................................................................................................... 10
10. Andere instellingen.......................................................................................................................... 10
H2: KI en intermediatie........................................................................................................................... 11
1. Financiële intermediatie..................................................................................................................... 11
H3: KI en betalingen............................................................................................................................... 11
1
,1. Evolutie betaalmiddelen..................................................................................................................... 11
2. Chartaal geld...................................................................................................................................... 11
2.1 Aanvaarding verplicht............................................................................................ 12
2.2 Cashverbod........................................................................................................... 12
3. Giraal geld.......................................................................................................................................... 12
4. Single euro payments area (SEPA)..................................................................................................... 12
4.1 IBAN..................................................................................................................... 13
4.2 BIC........................................................................................................................ 13
4.3 Andere realisaties door invoer van SEPA.................................................................13
5. Payment services directive (PSD)....................................................................................................... 13
6. Zichtrekening..................................................................................................................................... 13
6.1 Werking van een zichtrekening...............................................................................14
6.2 Valutering............................................................................................................. 14
7. Overschrijving.................................................................................................................................... 14
8. Cheque............................................................................................................................................... 14
8.1 Gecertificeerde bankcheque...................................................................................14
8.2 Circulaire cheque................................................................................................... 14
9. Debetkaart......................................................................................................................................... 15
10. Kredietkaart..................................................................................................................................... 15
10.1 Aanbod............................................................................................................... 15
10.2 Soorten kredietkaarten:.......................................................................................15
11. Prepaidkaart..................................................................................................................................... 15
12. Payconiq by bancontact-app............................................................................................................ 16
13. Europese betaalapp Wero................................................................................................................ 16
14. Digitaal geld: bitcoin........................................................................................................................ 16
15. Digitaal bankieren............................................................................................................................ 16
H4: KI en diensten.................................................................................................................................. 16
1. Algemeen........................................................................................................................................... 16
1.1 Balansactiviteiten.................................................................................................. 17
1.2 Buitenbalansactiviteiten........................................................................................17
1.3 Belang niet-rente-inkomsten..................................................................................17
1.4 Samenvattend....................................................................................................... 17
2. Bankverzekering................................................................................................................................ 17
2
, 3. Wisselverrichtingen............................................................................................................................ 18
4. Verhuur van bankkluizen.................................................................................................................... 18
5. Slapende rekening............................................................................................................................. 18
6. Nalatenschapsdossier......................................................................................................................... 19
6.1 Erfgenamen........................................................................................................... 19
6.2 Banken.................................................................................................................. 19
7. Diensten op de kapitaalmarkt............................................................................................................ 19
8. Effectenrekening................................................................................................................................ 19
9. Private banking.................................................................................................................................. 19
9.1 Soorten contracten................................................................................................ 20
9.2 Wettelijk geregeld................................................................................................. 20
10. Adviesverlening aan ondernemingen............................................................................................... 20
11. Aanbieden crowdfundingplatform.................................................................................................... 20
12. Bemiddelen bij leasingcontracten.................................................................................................... 20
13. Bemiddelen bij factoring.................................................................................................................. 21
14. Logistieke steun internationale handel............................................................................................. 21
Banken
H1: het Belgisch financiewezen
1. Financiële sector in brede zin
1.1 Kredietinstellingen (KI)
= belangrijkste categorie van de financiële sector
Hoofdwerkzaamheden:
- In ontvangst nemen van gelddeposito’s & andere terugbetaalbare gelden
- Verstrekken van leningen & financiering van handelstransacties
Andere toegelaten activiteiten: : o.a. leasing, betalingsverrichtingen, uitgifte & beheer van
betaalmiddelen, advies aan ondernemingen, vermogensbeheer en beleggingsadvies…
Functies:
- Financiële intermediatie (H2)
- Beheer betalingssystemen (H3)
- Aanbieden van financiële diensten (H4)
Om in België actief te zijn vergunning + registratie lijst KI bij de Nationale Bank van België
(NBB)
De NBB moet regelmatig de KI-lijsten updaten als gevolg van o.a. schrappingen, fusies,
naamsveranderingen…
Indeling o.b.v. geografische actieradius:
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